Can I retire at age 52 with 2,150,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $2,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$177,545$175,964$174,421$172,915$171,444$165,625
2 years$87,894$86,257$84,670$83,132$81,640$75,835
3 years$58,014$56,370$54,787$53,263$51,796$46,188
4 years$43,077$41,438$39,871$38,373$36,941$31,574
5 years$34,117$32,488$30,942$29,474$28,082$22,969
6 years$28,145$26,529$25,005$23,571$22,220$17,365
7 years$23,882$22,279$20,780$19,379$18,071$13,474
8 years$20,686$19,097$17,623$16,257$14,992$10,648
9 years$18,201$16,627$15,178$13,847$12,625$8,530
10 years$16,215$14,656$13,233$11,936$10,757$6,904
11 years$14,590$13,048$11,650$10,388$9,252$5,633
12 years$13,238$11,711$10,339$9,112$8,017$4,625
13 years$12,094$10,583$9,237$8,044$6,991$3,816
14 years$11,115$9,620$8,300$7,141$6,128$3,161
15 years$10,267$8,788$7,494$6,368$5,396$2,628
16 years$9,525$8,063$6,794$5,702$4,769$2,190
17 years$8,872$7,425$6,182$5,123$4,229$1,829
18 years$8,292$6,861$5,644$4,617$3,760$1,531
19 years$7,773$6,359$5,166$4,172$3,351$1,283
20 years$7,307$5,909$4,742$3,779$2,993$1,076
21 years$6,886$5,504$4,361$3,429$2,679$904
22 years$6,504$5,138$4,020$3,118$2,401$760
23 years$6,155$4,805$3,711$2,840$2,155$640
24 years$5,836$4,502$3,432$2,590$1,937$538
25 years$5,543$4,225$3,179$2,365$1,743$453
26 years$5,273$3,971$2,948$2,163$1,570$382
27 years$5,023$3,737$2,738$1,980$1,416$322
28 years$4,792$3,522$2,545$1,814$1,277$272
29 years$4,577$3,322$2,369$1,663$1,153$229
30 years$4,376$3,137$2,206$1,526$1,042$193
31 years$4,189$2,966$2,057$1,402$942$163
32 years$4,014$2,806$1,919$1,288$852$138
33 years$3,850$2,658$1,792$1,185$771$116
34 years$3,696$2,519$1,674$1,090$698$98
35 years$3,551$2,389$1,565$1,003$633$83
36 years$3,415$2,268$1,464$924$573$70
37 years$3,286$2,154$1,370$852$519$59
38 years$3,164$2,047$1,283$785$471$50
39 years$3,049$1,946$1,202$724$427$42
40 years$2,939$1,852$1,127$667$387$36
41 years$2,836$1,763$1,057$616$351$30
42 years$2,737$1,679$991$568$319$25
43 years$2,644$1,599$930$525$289$21
44 years$2,555$1,525$873$484$263$18
45 years$2,470$1,454$820$447$238$15
46 years$2,389$1,387$770$413$217$13
47 years$2,311$1,324$723$382$197$11
48 years$2,237$1,264$680$353$179$9
49 years$2,167$1,207$639$326$162$8
50 years$2,099$1,153$601$301$147$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,150,000, adding $4,791 every year, while hoping to spend $41,433 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 53/23/24 Blend
51$2,150,000$2,150,000$2,150,000$2,150,000
52$2,374,242$2,260,292$2,226,967$2,484,055
53$2,572,330$2,326,962$2,257,486$2,627,003
54$2,789,235$2,395,510$2,287,639$2,777,807
55$3,026,831$2,465,984$2,317,369$2,941,061
56$3,287,185$2,538,435$2,346,618$3,117,966
57$3,572,571$2,612,911$2,375,323$3,309,850
58$3,885,494$2,689,465$2,403,417$3,518,169
59$4,228,714$2,768,148$2,430,831$3,744,533
60$4,605,269$2,849,013$2,457,490$3,990,710
61$5,018,508$2,932,116$2,483,317$4,258,649
62$5,472,117$3,017,512$2,508,230$4,550,497
63$5,970,159$3,105,255$2,532,141$4,868,619
64$6,517,108$3,195,405$2,554,960$5,215,619
65$7,117,892$3,288,019$2,576,590$5,594,366
66$7,777,941$3,383,156$2,596,930$6,008,021
67$8,503,236$3,480,877$2,615,874$6,460,066
68$9,300,369$3,581,242$2,633,308$6,954,336
69$10,176,597$3,684,314$2,649,114$7,495,057
70$11,139,921$3,790,155$2,663,170$8,086,885
71$12,199,150$3,898,830$2,675,343$8,734,951
72$13,363,994$4,010,403$2,685,498$9,444,906
73$14,645,148$4,124,940$2,693,489$10,222,977
74$16,054,398$4,242,508$2,699,166$11,076,027
75$17,604,729$4,363,172$2,702,370$12,011,615
76$19,310,445$4,487,002$2,702,934$13,038,074
77$21,187,311$4,614,065$2,700,682$14,164,582
78$23,252,694$4,744,432$2,695,432$15,401,256
79$25,525,731$4,878,171$2,686,991$16,759,240
80$28,027,507$5,015,353$2,675,157$18,250,818
81$30,781,256$5,156,048$2,659,718$19,889,524
82$33,812,578$5,300,329$2,640,453$21,690,273
83$37,149,682$5,448,265$2,617,129$23,669,500
84$40,823,649$5,599,930$2,589,502$25,845,315
85$44,868,728$5,755,394$2,557,318$28,237,677
86$49,322,660$5,914,730$2,520,309$30,868,578
87$54,227,028$6,078,008$2,478,196$33,762,255
88$59,627,655$6,245,301$2,430,687$36,945,417
89$65,575,035$6,416,680$2,377,474$40,447,495
90$72,124,807$6,592,215$2,318,237$44,300,924
91$79,338,280$6,771,977$2,252,641$48,541,447
92$87,283,015$6,956,034$2,180,335$53,208,452
93$96,033,458$7,144,456$2,100,952$58,345,348
94$105,671,646$7,337,308$2,014,108$63,999,969
95$116,287,975$7,534,658$1,919,402$70,225,029
96$127,982,062$7,736,569$1,816,415$77,078,623
97$140,863,676$7,943,105$1,704,709$84,624,768
98$155,053,779$8,154,325$1,583,825$92,934,015
99$170,685,665$8,370,288$1,453,284$102,084,112
100$187,906,221$8,591,051$1,312,587$112,160,739